SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
NMI Holdings, Inc. (NMIH) trades at a trailing P/E of 7.7, forward P/E of 7.6. Trailing earnings yield is 13.01%, forward earnings yield 13.18%. PEG 0.69 (Peter Lynch undervalued ≤1.0). Graham Number is $62.09.
Criteria proven by this page:
- VALUE (69/100, Pass) — P/E is below market average (7.7); PEG ≤ 1.0 — Peter Lynch undervalued (0.69); analyst target implies upside (+12%); earnings yield beats bond yields (13.01%).
- Forward P/E 7.6 (down from trailing 7.7) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.69 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 13.01% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 13.18% as earnings recover.
- Analyst consensus target $43.50 (+12% upside) — modest upside expected.
Overall SharesGrow Score: 78/100 with 5/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
69/100
Price-to-Earnings & upside
Proven by this page
~
HEALTH
67/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — NMIH
Valuation Multiples
P/E (TTM)7.7
Forward P/E7.6
PEG Ratio0.69
Forward PEG1.90
P/B Ratio1.15
P/S Ratio4.20
EV/EBITDA6.2
Per Share Data
EPS (TTM)$5.07
Forward EPS (Est.)$5.12
Book Value / Share$33.79
Revenue / Share$9.21
FCF / Share$5.38
Yields & Fair Value
Earnings Yield13.01%
Forward Earnings Yield13.18%
Dividend Yield0.00%
Graham Number$62.09
SharesGrow IV$124.41 (+220.2%)
Analyst Target$43.50 (+12%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
9.8 |
-0.03 |
1.32 |
5.16 |
- |
| 2017 |
46.1 |
-0.69 |
2.00 |
5.69 |
- |
| 2018 |
10.8 |
0.03 |
1.65 |
4.24 |
- |
| 2019 |
13.0 |
0.25 |
2.41 |
6.06 |
- |
| 2020 |
10.3 |
-0.77 |
1.29 |
4.05 |
- |
| 2021 |
8.1 |
0.36 |
1.19 |
3.85 |
- |
| 2022 |
6.1 |
0.22 |
1.10 |
3.38 |
- |
| 2023 |
7.6 |
0.57 |
1.27 |
4.22 |
- |
| 2024 |
8.2 |
0.53 |
1.32 |
4.51 |
- |
| 2025 |
8.1 |
0.73 |
1.22 |
4.49 |
- |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$1.08 |
$121.92M |
$64M |
52.5% |
| 2017 |
$0.35 |
$178.64M |
$22.05M |
12.3% |
| 2018 |
$1.60 |
$273.63M |
$107.93M |
39.4% |
| 2019 |
$2.47 |
$370.11M |
$171.96M |
46.5% |
| 2020 |
$2.13 |
$436.19M |
$171.57M |
39.3% |
| 2021 |
$2.65 |
$485.64M |
$231.13M |
47.6% |
| 2022 |
$3.39 |
$524.46M |
$292.9M |
55.8% |
| 2023 |
$3.84 |
$579M |
$322.11M |
55.6% |
| 2024 |
$4.43 |
$650.97M |
$360.11M |
55.3% |
| 2025 |
$4.92 |
$705.58M |
$388.93M |
55.1% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$5.15 |
$5.07 – $5.26 |
$630.23M |
$629.54M – $630.91M |
5 |
| 2027 |
$5.47 |
$5.37 – $5.53 |
$659.92M |
$659.63M – $660.2M |
4 |
| 2028 |
$6.26 |
$6.21 – $6.30 |
$804.03M |
$799.61M – $808.29M |
1 |
